Med Direct or sana24 Tel Care — Region 3, Lucerne
Region 3, Lucerne: with sana24, Med Direct costs CHF 500.80 a month in 2026 and sana24 Tel Care CHF 483.50, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
sana24 Tel Care is the cheaper of the two here: CHF 207.60 saved per year against Med Direct, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Med Direct is a "Family doctor" model. sana24 Tel Care is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- sana24 Tel Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | Med Direct | sana24 Tel Care | Gap per year |
|---|---|---|---|
| 300 | CHF 500.80 | CHF 483.50 | CHF 207.60 |
| 500 | CHF 489.20 | CHF 471.80 | CHF 208.80 |
| 1'000 | CHF 460.00 | CHF 442.70 | CHF 207.60 |
| 1'500 | CHF 430.80 | CHF 413.50 | CHF 207.60 |
| 2'000 | CHF 401.70 | CHF 384.30 | CHF 208.80 |
| 2'500 | CHF 372.50 | CHF 355.20 | CHF 207.60 |
The comparison, region by region
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.